If you are anxious to get your investments started, you can get started right away without having a lot of knowledge about the stock market. Start by being a conservative investor with a low risk tolerance. This will give you a way to making your money grow while you learn more about investing.

Start with an interest bearing savings account. You may already have one. If you dont, you should. A savings account can be opened at the same bank that you do your checking at  or at any other bank. A savings account should pay 2  4% on the money that you have in the account.

Its not a lot of money  unless you have a million dollars in that account  but it is a start, and it is money making money.

Next, invest in money market funds. This can often be done through your bank. These funds have higher interest payouts than typical savings accounts, but they work much the same way. These are short term investments, so your money wont be tied up for a long period of time  but again, it is money making money.

Certificates of Deposit are also sound investments with no risk. The interest rates on CDs are typically higher than those of savings accounts or Money Market Funds.

You can select the duration of your investment, and interest is paid regularly until the CD reaches maturity. CDs can be purchased at your bank, and your bank will insure them against loss. When the CD reaches maturity, you receive your original investment, plus the interest that the CD has earned.

If you are just starting out, one or all of these three types of investments is the best starting point. Again, this will allow your money to start making money for you while you learn more about investing in other places.

Here is a little used technique you can implement to build your mailing list for no additional cost. I call it using subscribers to make subscribers like much in the context of using money to make money.

This simple list building formula can be summed up in two words: ad swap.

Generally, you trade advertisements with other eZine publishers, preferably of the same mailing list size or bigger. You broadcast the eZine publishers advertisement to your mailing list while the eZine publisher endorses your ad to his list. Yes, you are actually cross endorsing or cross promoting each others offer to each of your mailing list.

Your advertisements goal should be to get as many subscribers possible from the other eZine publishers mailing list to sign up for yours.

The result: you grow your mailing list. This method does not require money, which means it can be done for free. And the return of subscribers? Infinite!

You only have to do this with one eZine publisher at least once, because his subscribers who are also your subscribers can now be followed up within the boundaries of your mailing list.

Perform ad swaps with as many eZine publishers as possible and soon, you will have a huge mailing list of your own  built free.

So you want to be a successful seller with your own eBay business, do you? Here’s a simple, ten-step path to eBay enlightenment.

Step 1: Identify your market. Take a while to sit and watch for what sells and what doesn’t out of the items you’re interested in. Any market research data you can collect will be very useful to you later on. You’ll probably see the ‘sweet spots’ quite quickly – those one or two items that always seem to sell for a good price.

Step 2: Watch the competition. Before you invest any money, see what the other sellers in your category are up to, and what their strategies are. Pay special attention to any flaws their auctions might have, because this is where you can move in and beat them at their own game.

Step 3: Find a product: Get hold of a supplier for whatever it is you want to sell, and see what the best rates you can get are – don’t be afraid to ring round quite a few to get the best deal. If the eBay prices you’ve seen are higher than the supplier’s, then you’re set.

Step 4: Start small: Don’t throw thousands at your idea straight away – get started slowly, see what works and what doesn’t, and learn as you go. Remember that it’s very cheap to try out even the craziest ideas on eBay, and who knows, they might just work!

Step 5: Test and repeat. Keep trying different strategies until you find something that works, and then don’t be ashamed to keep doing it, again and again. The chances are that you’ve just found a good niche.

Step 6: Work out a business plan: A business plan doesn’t need to be anything formal, just a few pages that outline the market opportunity you’ve spotted, your strategy, strengths and weaknesses of the plan and a brief budget. This is more for you than it is for anyone else.

Step 7: Invest and expand: This is the time to throw money at the problem. Buy inventory, and start spending more time on your business. Set a goal number of sales each week, increasing it each time.

Step 8: Make it official: Once you’ve made a few thousand dollars worth of sales, you should really register yourself as a business. Don’t worry, it’s not expensive or hard to do – a lawyer is the best person to help you through the process.

Step 9: Automate: You’ll probably find that you’re writing the same things again and again in emails or item descriptions. This is the time to give up on the manual method and turn to automated software that can create listings for you, and respond to completed auctions and payments with whatever message you provide.

Step 10: Never give up: Even when it looks like it’s all going wrong, don’t stop trying until you succeed. If you keep working at it then you’ll almost always find that you make a real breakthrough just when things are starting to look desperate.

Once you get into the swing of things, you might start thinking that you should quit your job and take up eBay selling part time. But it’s not always as easy as that – there are all sorts of factors that you need to consider. The next email will weigh up the case for and against taking up eBay full-time.

Twelve: Is this indeed the magic number when it comes to fine scotch? In a matter of terms the answer is yes.

When trying to decide on a scotch it would be best to look for that magical number, as it will indicate to you that at least it has grown into full body. There are quite a few bottles out there that have aged longer, yet obtaining these gems can prove to be tricky. An old bottle of scotch is a real treasure.

Scotch, at least fine scotch, is meant to roll off the back of your tongue, and give you a warm and subtle punch in the tummy. Younger scotch, has not been given a chance to build a personality, hence it is not as smooth. It seems to be agreed that twelve years or longer is the magic number when it comes to the age of perfection for fine scotch. It may come in many different fashions and labels yet the song remains the same; good scotch has been brewing for awhile.